Dennis Hughes

Mortgage Broker

NMLS: 178729

209-602-4900

Dennis@lend4less.com

Dennis Hughes Mortgage Broker
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Rates lower than the big lenders
Save thousands on your home loan!

Small town personal service with tons of 5 star reviews

Why should you trust me for your home loan?
Experience & knowledge to make easy loans a breeze and hard to qualify loans go smoothly!

Why choose me for your home loan?

I'm Dennis Hughes -with 30+ years of home loan experience and 10,000+ loans closed!

I want to close your loan faster --with less hassle --while saving you thousands of dollars in the process!  Never any sales pressure, just solid, accurate info to help you make the best decision for you and your family.

NMLS #178729 RE Broker CA Dept of RE #01001409 Direct line (209) 602-4900

lender type 4
online rate quotes are lies

Big lenders and the Rate Quote game

Big offices, ad costs and executive pay add up-and the only way for them to be profitable is to pass those costs on to their customers!

The key thing to know is banks and big lenders constantly struggle to maintain a profit margin with the huge cost of their corporate offices, big advertising budget and enormous executive salaries.  They need to squeeze every dollar they can out of each loan they close - and the only way to do that is to increase their gross profit margin by increasing the rate and lender fees they charge a borrower--meaning you!

The end result is a Mortgage Broker who operates efficiently will charge you much less and still be profitable.

Learn More
Conventional Loans

Competitive interest rates and terms without requiring a large down payment for well-qualified borrowers.

FHA Loans

FHA loans offer flexibility for low credit scores, higher debt-to-income ratios and offer a low down payment.

VA Loans

Low or no down payment, government insured loan for veterans and their families with competitive rates.

Manufactured Home Loans

Hundreds of manufactured home loans closed-we are experts!  Be careful!  Many other lenders have little to no experience with manufactured homes.

USDA Loans

Zero down payment with great rates  Income restrictions apply.  Similar qualifying criteria as an FHA loan.

Jumbo Loans

When loans exceed conforming limits for  the property's location.  Jumbo loans are available for those who are looking to purchase a home that exceeds the conforming loan limits. 

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Average mortgage rates nationwide

Average mortgage rates nationwide

Jun 26, 2025

Average mortgage rates nationwide My rates are typically lower than average by .25% or more

What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Rating
5.0
4 reviews
Dick Luttrell
We have worked with Dennis through three home purchases and several re-financings. He has proven to be the consummate lending professional and he made our pursuit of a home mortgage loan successful, painless and free from unpleasant surprises. He has also ...
We have worked with Dennis through three home purchases and several re-financings. He has proven to be the consummate lending professional and he made our pursuit of a home mortgage loan successful, painless and free from unpleasant surprises. He has also helped us think through various financial scenarios and can be counted on to come up with creative solutions to our life planning issues. We found him always to be completely honest and forthright. Actually, he is fun to work with! I would recommend him without hesitation to anyone in search of a home mortgage!
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Dick Luttrell

1 year ago

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Angela Howell
Dennis is extremely knowledgeable and goes the extra mile to assist his clients. We knew right from the beginning that we were in good hands. Dennis demonstrated great professionalism, he answered ALL of our questions at a moments notice, and kept us up ...
Dennis is extremely knowledgeable and goes the extra mile to assist his clients. We knew right from the beginning that we were in good hands. Dennis demonstrated great professionalism, he answered ALL of our questions at a moments notice, and kept us updated throughout the process. We endured some probate challenges with our seller/Realtor and Dennis shared his knowledge, reassured us, was an immense help, and kept up informed. His expertise is outstanding! His genuine thoughtfulness and kindness is something we shall never forget about Dennis. He was so honest and sincere from day one. These are strong characteristics you would wish for and we were extremely fortunate and lucky to have been introduced to Dennis. We would HIGHLY recommend him!
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Angela Howell

6 years ago

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Connie Romano
Dennis is wonderful! He gets it done in half the time it takes the big companies, he does it right and charges half the going rate. If you need a home finance or refinance, call this guy!!
Dennis is wonderful! He gets it done in half the time it takes the big companies, he does it right and charges half the going rate. If you need a home finance or refinance, call this guy!!

Connie Romano

7 years ago

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Horn Star Outdoors
Absolutely the best experience imaginable! Dennis is incredibly knowledgeable and always willing to help in all facets of the process. He made himself available at all times and responded promptly to any and all emails, text and phone calls. I have ha ...
Absolutely the best experience imaginable! Dennis is incredibly knowledgeable and always willing to help in all facets of the process. He made himself available at all times and responded promptly to any and all emails, text and phone calls. I have had numerous troubles during this process in the past and was fearful of this one just the same. After the first phone call with Dennis I felt at ease and most importantly I felt I could trust him. I will recommend him highly , thanks again!
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Horn Star Outdoors

7 years ago

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